Participating in DC plans such as 401(k), 457, and 403(b) plans is the primary way most people save for retirement, and there is considerable sponsor and participant interest in making DC plans more effective at their primary goal: providing income in retirement. In the past, this could seem like a daunting challenge, but today, there are more options than ever before, and fiduciaries have the ability to design a lifetime income program that both achieves the desired outcomes for participants and mitigates fiduciary risk.